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Added 6 days ago
EB
Associate, Commercial Credit, Commercial Finance Group (CFG)
EQ Bank
Toronto, ON
- Full-time
The Associate, CFG Credit is responsible for supporting the underwriting team in document fulfillment from receipt of deal through to the funding stages by acting as a liaison between…
Added 6 days ago
T
Personal Banking Associate Trainee
TD
Surrey, BC
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 6 days ago
NC
Member Associate
Northern Credit Union
Barry's Bay, ON
- Full-time
Northern Credit Union is a full-service, locally operated financial institution offering personal and commercial banking services along with financial planning expertise to members across…
Added 6 days ago
T
Personal Banking Associate Trainee - Mandarin and/or Cantonese Language Skills Considered an Asset
TD
Burnaby, BC
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 6 days ago
T
Personal Banking Associate Trainee - Mandarin and/or Cantonese Language Skills Considered an Asset
TD
Burnaby, BC
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 7 days ago
T
Canadian Commercial Banking Associate
TD
St. Catharines, ON
- Full-time
Your first 8 to 10 months will include on-site coaching in one of our commercial units, as well as a structured training program before moving up to become an Account Manager on a team with…
Added 9 days ago
T
Personal Banking Associate Trainee - Repentigny
TD
Repentigny, QC
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 9 days ago
A
Associate, Multi-Unit Financing
ATB
Calgary, AB · Edmonton, AB
- Full-time
Ready to help shape Alberta’s multi-family landscape? As an Associate, Multi-Unit Financing, you will be an integral member of the ATB Commercial Real Estate team, directly supporting…
Added 9 days ago
T
Personal Banking Associate Trainee
TD
Toronto, ON
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 9 days ago
T
Personal Banking Associate Trainee
TD
AB
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 9 days ago
T
Personal Banking Associate Trainee
TD
AB
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 9 days ago
C
Agency Associate
CIBC
Toronto, ON
- Full-time
As the Agency Associate you will be accountable for providing specialized agency services as an independent intermediary between borrowers and lenders participating in syndicated credit…
Added 9 days ago
T
Personal Banking Associate Trainee - Future Opportunities
TD
Milton, ON · Oakville, ON
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 10 days ago
NB
Account Manager Commercial Banking
National Bank of Canada
Quebec, QC
- Full-time
The candidate needs to be able to identify all risks inherent to the Personal and Commercial Banking sector’s activities
Added 10 days ago
NB
Senior Account Manager Commercial Banking
National Bank of Canada
Terrebonne, QC
- Full-time
The candidate needs to be able to identify all risks inherent to the Personal and Commercial Banking sector’s activities
Added 10 days ago
RB
Private Banker
Royal Bank of Canada
Mississauga, ON
- Full-time
Introduce the Private Banking Associate and Private Banking Advisor teams as key advisors on managing day-to-day banking needs and Credit Structures team as credit experts for credit advice…
Added 10 days ago
RB
Relationship Manager, Business Market
Royal Bank of Canada
Ottawa, ON
- Full-time
Completion of the Associate Account Manager training program, or have previous experience as a small business owner, or in similar field
Added 10 days ago
T
University of Victoria Networking Event - October 29 2026
TD
Victoria, BC
- Full-time
Positions are available across Canada for the Commercial Banking Intern/Co-op & Associate program. Please indicate your preferred location in your resume.
Added 10 days ago
T
Personal Banking Associate Trainee
TD
St. Albert, AB
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 10 days ago
R
Private Banker
RBC
Mississauga, ON
- Full-time
Introduce the Private Banking Associate and Private Banking Advisor teams as key advisors on managing day-to-day banking needs and Credit Structures team as credit experts for credit advice…
Added 10 days ago
Tax Officer, Scotiatrust - Vancouver, BC
Scotiabank
Vancouver, BC
…range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital…
Added 10 days ago
R
Relationship Manager, Business Market
RBC
Ottawa, ON
- Full-time
Completion of the Associate Account Manager training program, or have previous experience as a small business owner, or in similar field
Added 10 days ago
T
Personal Banking Associate Trainee
TD
Delta, BC
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate Trainee for our branch office who can guide customers to the appropriate staff member for resolving their…
Added 10 days ago
T
TD Agriculture Networking Event - October 29 2026
TD
Barrie, ON · Brantford, ON · Guelph, ON · Ottawa, ON · Stratford, ON · Strathroy, ON
- Full-time
Positions are available across Canada for the Commercial Associate program.
Added 10 days ago
T
Personal Banking Associate Trainee
TD
Georgetown, ON
- Full-time
…them with their financial needs? We are seeking a Personal Banking Associate for our branch office who can guide customers to the appropriate staff member for resolving their financial…

ATB

Associate, Multi-Unit Financing

Calgary, AB, Canada
Edmonton, AB, Canada

Full-time

Apply About employer

Applications open in a new tab.

Job details

Job type: Full-time
Experience: Lending Experience: 3 to 6 years of progressive experience in commercial real estate lending, credit adjudication, or financial analysis.
Posting language: English
Posted: Oct 30, 2026

Original job description

At ATB, we exist to make it possible for our clients, team members and communities. Our purpose is more than aspirational. It's a real commitment we live every day through our values (what we call the ATB ID).

Life at ATB is about more than work. In fact, we’re consistently recognized as one of Canada's top employers thanks to our high-care, high-performance culture, upheld by the three commitments we make to our team members:

Impact in action: No matter where you are in the organization, you're empowered to make an impact in the lives of our clients and communities.

Thrive together: We want you - the unique, authentic you - to feel safe and celebrated at work. We're on a continuous journey to build the most flexible and inclusive programs.

Ready for tomorrow: We want to enable your success through interesting and challenging work, performance enablement, and learning and development.

About the Role

Ready to help shape Alberta’s multi-family landscape? As an Associate, Multi-Unit Financing, you will be an integral member of the ATB Commercial Real Estate team, directly supporting Directors and Relationship Managers with our CMHC book of business.

You will take ownership of underwriting credit requests for ATB while acting as the primary point of contact for CMHC underwriters - guiding Mortgage Loan Insurance applications from submission through to final funding. If you have sharp analytical instincts, proven commercial credit skills, and a strong command of CMHC programs like MLI Select, this is an opportunity to make a tangible impact on large-scale housing developments across the province.

Accountabilities

Credit Underwriting & Risk Analysis

Analyze complex commercial credit applications, identifying key credit risks, structuring appropriate terms, and establishing effective mitigants.
Perform detailed financial statement and cash flow analysis to calculate financial covenants, borrowing capacities, and serviceability thresholds.
Interpret and apply ATB credit policies, underwriting guidelines, and regulatory frameworks alongside CMHC Approved Lender standards.

CMHC Deal Execution & Portfolio Management

Partner with Directors and Relationship Managers to manage end-to-end CMHC loan origination, from initial submission and Certificate of Insurance (COI) issuance through to final credit approval and funding.
Execute annual reviews, loan amendments, and new money requests for existing portfolio accounts in compliance with CMHC criteria.
Review construction and term draw requests, ensuring complete documentation, covenant compliance, and adherence to CMHC guidelines and ATB lending policies.

Portfolio Monitoring & Administration

Proactively identify early warning indicators and mitigate credit deterioration through continuous monitoring of borrower financial statements, interim updates, and market trends.
Identify operational efficiencies to support deal flow velocity and enhance business unit profitability.

Relationship Management & Stakeholder Engagement

Establish and nurture productive working relationships with designated CMHC underwriters and internal deal teams to facilitate prompt, smooth deal approvals.

Knowledge, Skills and Experience

What You Bring:

Education & Background: Bachelor’s degree in Business Administration, Commerce, Finance, Accounting, or a related discipline.
Lending Experience: 3 to 6 years of progressive experience in commercial real estate lending, credit adjudication, or financial analysis.
CMHC Expertise: Hands-on experience navigating CMHC multi-unit residential products, underwriting guidelines, and submission processes (direct familiarity with the MLI Select framework is highly desirable).
Financial & Analytical Rigor: Advanced financial statement analysis skills, cash flow modeling, and the ability to understand complex credit profiles with high attention to detail.
Communication & Negotiation: Strong written and verbal communication skills, comfortable presenting credit rationale to senior leaders and liaising directly with external CMHC partners.
Drive & Autonomy: Proven track record of managing competing deal deadlines independently with minimal supervision, balanced with a collaborative team-first mindset.

Attributes That Set You Apart (Assets):

Credit & Construction Acumen: Demonstrated background in conventional commercial real estate financing, with exposure to construction draw facilities and term-out loan structures.
A completed or in-progress professional designation or master's degree (CFA, CPA, or MBA).
Prior working relationships or direct interaction with CMHC underwriting teams.

Workplace Arrangement

This position has a hybrid work arrangement. You’ll work both remote and onsite, where time onsite is based on your job accountabilities and performance objectives.

Don’t meet all the requirements on the list?
A resume only goes so far in expressing who you are and the unique perspectives you bring. If you believe your skills and experience align with the role - but you might not check all the boxes - we want to hear from you. We encourage candidates from all work backgrounds, equity-seeking communities and experience levels to apply. If you’re seeking a career where your drive, perspective and growth are celebrated, we want to hear from you.

We’re dedicated to building a workforce reflective of those within our communities, and a culture where our team members are equipped with what they need to succeed - their way. Part of creating an inclusive workplace is recognizing our role in advancing Truth and Reconciliation. We are committed to meeting and exceeding the standards set out in the Partnership Accreditation in Indigenous Relations program created by the Canadian Council for Indigenous Business.

What happens next?
If you are shortlisted, you’ll hear from us after the posting closes. Check out our How We Hire page to learn more about our hiring process. If you need any accommodations throughout this process, please let us know at talentteam@atb.com

Stay in touch
We’re excited that you’re interested in a career with ATB. Follow us on LinkedIn, Facebook and Instagram to learn more about what our team is up to.

Apply About employer

More about this job

Responsibilities

The Associate will manage end-to-end CMHC loan origination and underwriting for commercial real estate projects. They will also monitor portfolio performance, ensure covenant compliance, and maintain relationships with CMHC underwriters and internal teams.

Requirements

Candidates must have a bachelor's degree in a relevant field and 3 to 6 years of experience in commercial real estate lending or credit analysis. Proficiency in CMHC multi-unit residential products and advanced financial analysis skills are required.

Skills

Commercial credit underwriting
Financial statement analysis
Cash flow modeling
CMHC programs
MLI Select
Risk analysis
Portfolio management
Loan origination
Construction draw facilities
Stakeholder engagement
Credit policy interpretation
Regulatory compliance
Negotiation
Analytical skills
Communication

Benefits

Flexible work programs
Inclusive work environment
Learning and development opportunities
Performance enablement

Visa sponsorship

Not detected in the job text

Keywords

Commercial Real Estate
CMHC
MLI Select
Credit Underwriting
Risk Analysis
Financial Analysis
Loan Origination
Portfolio Management
Construction Financing
Covenant Compliance
Business Banking
Financial Modeling
Regulatory Frameworks
Stakeholder Management
Underwriting Guidelines
Commercial Lending

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